ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. Vienna Insurance Group AG's annualized return on capital (ROC %) for the quarter that ended in Dec. 2025 was 1.91%.
As of today (2026-06-25), Vienna Insurance Group AG's WACC % is 7.55%. Vienna Insurance Group AG's ROC % is 1.80% (calculated using TTM income statement data).
Vienna Insurance Group AG earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Vienna Insurance Group AG (STU:WSV2) ROC % Explanation
ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.
There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.
Why is ROC % important?
Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Vienna Insurance Group AG's WACC % is 7.55%. Vienna Insurance Group AG's ROC % is 1.80% (calculated using TTM income statement data).
Vienna Insurance Group AG earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
Like ROE % and ROA %, ROC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note:
The EBIT data used here is two times the semi-annual (Dec. 2025) data.
The tax rate is limited to between 0% and 100%.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Vienna Insurance Group AG (STU:WSV2) has a ROC % of 1.91% as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Vienna Insurance Group AG and its competitors.
Is Vienna Insurance Group AG's ROC % too high?
Vienna Insurance Group AG's current ROC % is 1.91%. The Insurance industry median ROC % is 3.37. Vienna Insurance Group AG's value of 1.91% is 43.2% below this industry median. Overall, Vienna Insurance Group AG has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vienna Insurance Group AG's ROC % compare to BRK.A and AIG?
Vienna Insurance Group AG's ROC % of 1.91% can be compared against companies in the Insurance industry. The industry median ROC % is 3.37. Vienna Insurance Group AG's value of 1.91% is 43.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for an Insurance company?
The median ROC % among Insurance companies is 3.37, based on 370 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vienna Insurance Group AG's current ROC % of 1.91% is 43.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Vienna Insurance Group AG and its competitors. For the Insurance industry, the median ROC % is 3.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current ROC % is 1.91%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vienna Insurance Group AG stock overvalued right now?
Based on GuruFocus' analysis, Vienna Insurance Group AG (STU:WSV2) is currently considered Significantly Overvalued. The stock's GF Value™ is €38.18, compared to a current price of €64.30 — trading 68.4% above its estimated fair value. The current ROC % is 1.91% and 43.2% below the Insurance industry median of 3.37. Vienna Insurance Group AG's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Vienna Insurance Group AG (STU:WSV2), the current ROC % is 1.91% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Vienna Insurance Group AG (STU:WSV2) Overvalued in 2026?
Based on GuruFocus' analysis, Vienna Insurance Group AG stock appears to be overvalued.
The current stock price of €64.30 is trading 68.4% above its estimated GF Value™ of €38.18.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for STU:WSV2:
ROC %: 1.91%
GF Value™: €38.18 vs. price of €64.30 (68.4% above fair value)
Industry Position: 43.2% below the Insurance median
No single metric tells the full story. See the STU:WSV2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vienna Insurance Group AG is a diversified insurance company that offers property and casualty, life, and health insurance products. The company maintains its goal of consolidating market leadership in Austria while taking advantage of the growth potential in Central and Eastern Europe. The company generates the majority of its revenue in Austria, followed by the Czech Republic and Poland.
73GF Score
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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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